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What Difference Does Women's Car Insurance Make?

by: DavidHill
Total views: 16 | Word Count: 464

Female driver come in for their fair share of criticism from men on the road. They are apparently dangerous and drive way to slowly but that, of course, is a definite male perspective. Car insurance companies actually take the exact opposite view. They actively encourage women to take up their womens car insurance policies because they tend to be safer on the road. There are many reasons why this is the case, but on a like for like basis, women save money every time.

Before getting into the finer details of those reasons, it is necessary for you to understand how much women can save over their male counterparts when it comes to car insurance. Mr and Mrs Bickley from the West Midlands proved that when they got car insurance quotes for their 2008 Ford Focus.

They are both aged 29, with Mrs Bickley being older by three months. They live in a rural, low crime area and have a secure garage attached to their home. The only difference, apart from gender, is the fact that Mr Bickley had 4 years no claims bonus instead of the 3 that Mrs Bickley had.

To find the best deals, they both got separate quotes from two insurers - CIS and E-Sure. When both obtained the car insurance quotes, they found that Mrs Bickley would have to pay 107 less than her husband despite the fact that she had a years less no claims bonus!

This is a great example of the fact that women pay less for their car insurance than men. This is because women do not have as many accidents, and have far fewer serious accidents if the statistics are to be believed. This all points to the fact that women do not tend to claim on their insurance whereas men do. As such, an insurer can lower the premiums for women because their profits are greater as a result of the lack of claims!

Men tend to drive far more quickly on the roads than women and do get pulled up by the police for driving offences more. Men also apparently have a lower concentration level and so are more likely to get distracted by something as they are driving.

A further reason relates to the types of cars bought by men and women alike. Women buy practical and reliable cars but men buy those that have some sort of value amongst car magazines! In other words, they buy more powerful cars. Not only are those cars more expensive to replace if stolen but also to fix in the advent of an accident.

Womens car insurance also comes from specialists. Every woman can choose from specialist or general insurance but men do not have the luxury. As such, men should expect to pay more now and into the future!

About the Author

Did you ever wonder why womens car insurance quotes are always cheaper? Powerseeker can help you lower car insurance quotes for lady drivers by explaining some amazing facts to women!

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